Last updated: 11 October 2025
Please read these Terms and Conditions (“Terms”) carefully before using the Flex AML website (the “Site”).
By accessing or using this Site, you agree to comply with and be bound by these Terms. If you do not agree, please do not use this Site.
1. About Flex AML
Flex AML operates as an independent consultancy, providing anti-money-laundering (AML), know-your-customer (KYC), and related compliance advisory services to UK businesses.
We are not a law firm and do not provide legal or financial advice.
2. Use of Website
This Site is designed to provide general information about our services and expertise.
The content does not constitute legal, financial, or regulatory advice, and should not be relied upon as such. You should always obtain specific professional advice before taking action.
You agree to use the Site for lawful purposes only and in a manner that does not infringe the rights of, or restrict or inhibit, anyone else’s use and enjoyment of the Site.
3. Services & Client Agreements
Accessing or using this Site does not create a client–consultant relationship.
All professional services are subject to a separate written Consultancy Agreement, which sets out the agreed scope of work, deliverables, fees, confidentiality, and liability.
Until such agreement is signed, no contractual relationship exists.
Example scopes (when applicable by written agreement):
- AML and KYC policy reviews
- Staff training and due-diligence workshops
- Mock HMRC audits and compliance reviews
- General AML and risk-management consultancy
All services are delivered remotely unless otherwise agreed in writing. Flex AML acts as an independent adviser, not as an employee, partner, or data processor for any client.
4. Payment Terms (for Clients)
Payment terms, deposits, and any additional expenses will always be agreed in writing within the Consultancy Agreement before work begins.
This Site does not accept or process payments.
5. Intellectual Property
All materials, content, templates, and documents on this Site or provided through our services remain the intellectual property of Flex AML.
Unless otherwise agreed in writing, clients are granted a limited, non-transferable licence to use materials internally for their own compliance purposes only.
6. Confidentiality
Information shared with Flex AML through this Site or via email will be treated confidentially.
We will not disclose personal or business-sensitive information to third parties without your consent, unless required by law.
7. Accuracy of Information
While we aim to keep our content accurate and current, Flex AML makes no representations or warranties about the completeness, accuracy, or reliability of the information provided.
We accept no liability for any loss or damage arising from reliance on content from this Site.
8. Limitation of Liability
To the fullest extent permitted by law, Flex AML will not be liable for:
- Any direct or indirect loss arising from your use or inability to use the Site
- Errors or omissions in content
- Reliance on any material published on this Site
Where professional services are engaged, any liability will be governed solely by the signed Consultancy Agreement and will not exceed the total fees paid for those services.
9. Professional Disclaimer
Although our founder is a Certified Anti-Money Laundering Specialist (ACAMS), all advice provided is based on current guidance and industry best practice.
Flex AML provides consultancy support, not regulatory approval, and clients remain responsible for implementing recommendations and maintaining ongoing compliance.
10. External Links
Our Site may include links to third-party websites. Flex AML has no control over and is not responsible for their content, security, or privacy practices.
11. Data Protection & Privacy
We take data protection seriously.
Please refer to our Privacy Policy and Cookie Policy for details on how we collect, store, and handle personal data.
12. Changes to These Terms
Flex AML may update these Terms at any time without prior notice.
The updated version will be posted on this page with a new “Last updated” date.
13. Governing Law
These Terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact Us
For questions about these Terms, please contact: francesca@flex-aml.com.
Flex AML 